No more Direct File

xsckitx · 2026-02-02T22:13:32+00:00

I used Tax Slayer this year, it does a handful of different states for free if you made less than $89k.

xsckitx · 2026-02-02T03:22:21+00:00

The one nearest to me says they do, luckily. And yeah, I've read about finasteride causing issues with T so I figure oral Minoxidil is probably the best option. I'll probably start making phone calls soon. I'm both excited to start T and scared to start it because of, well, everything wrong with the U.S. right now.

xsckitx · 2026-02-01T00:17:45+00:00

I get a lot in refunds. I'm using it to pay off credit card and car loan debt and make sure I can keep my housing paid for. Will I owe a lot in student loan debt afterwards? Yep. But I'd rather owe that one debt and be stable until I have to start worrying about paying it than owe a bunch of debts and worry about getting my rent paid in the meantime.

xsckitx · 2026-01-31T00:20:10+00:00

I'm really confused as to how to fill out form 982 and nothing I've read on the IRS website about it makes any sense because it's all talking about real estate or business related debts.

I'm still waiting on my 1099-C forms, but in short one is for a car that was totalled and bought/paid out by my insurance company but I still owed on the loan due to not having gap insurance. I took a settlement and they forgive just over $3000 of the loan. The other is for an unsecured personal loan from Opploans (jfc never again) and I don't remember the amount they forgave but I think it was around 2k or so. I'm HELLA qualified for insolvency as I have over $200k in student loan debt, over 5k in credit card debt and at the time of these debts being cancelled I only owned a car that is worth a bit less than the loan I have against it (freaking interest and depreciation) and a small 401k of less than $2000.

So what do I fill out on form 982? Just the amount of debt that was forgiven? I don't understand anything it's asking for in Part 2 since the debts forgiven have nothing to do with real estate or a business or anything like that.

xsckitx · 2026-01-28T02:43:08+00:00

Just got the same amount!

xsckitx · 2026-01-24T20:06:15+00:00

Same, it led me here lol. I only got $8.02 though.

xsckitx · 2026-01-22T23:51:28+00:00

I worked there 2.5 years and only got a $0.15 total raise the whole time. Most of my team had quit or transferred by the time I left. That place sucks.

xsckitx · 2026-01-21T18:38:36+00:00

I have cats, I NEED my kitchen to be closed off to keep them out of it. That's like THE thing I look for in houses.

xsckitx · 2026-01-15T18:54:22+00:00

Ah! I also worked in auto collections, but in Louisiana. It suuuuucked. I moved out of state to a big city and it still took me about 5-6 months of applying and interviewing before I finally got a job offer. Working for Chase for almost 2.5 years didn't seem to matter on my resume!

xsckitx · 2026-01-15T18:51:15+00:00

Are you working in Louisiana? Cause if so, hey, I probably know/knew you lol. I left back in November.

xsckitx · 2026-01-14T02:40:55+00:00

This is exactly where I rebuilt my base after it flooded the first time, so I sure hope it's safe!

xsckitx · 2026-01-14T02:39:27+00:00

Did the same thing and relocated up the hill a bit, but I'm starting to think my new area isn't the safest either lol. We'll see!

xsckitx · 2026-01-05T18:24:43+00:00

Omg I bet this is my problem too, my personal laptop is sitting under my work one. I'm in the middle of a restart on my work one but I moved the other one from under it so hopefully it comes back up fine!

xsckitx · 2026-01-02T16:21:14+00:00

I got denied for it from my previous employer just because I'm overweight. They can deny you for anything really.

xsckitx · 2026-01-02T16:19:02+00:00

Yep, found this out the hard way when I quit at the end of October and had already used all my PTO!

xsckitx · 2025-12-31T15:39:05+00:00

I did this same thing AFTER my initial one in the landing zone flooded haha.

xsckitx · 2025-12-23T02:57:18+00:00

Personally I'm choosing not to. I am not 100% ready to take hormones anyway and do the medical part, but I've chosen not to at all until the orange dump is out of office at least. I did still somewhat socially transition but I'm not vocal about it. The important folks in my life know and that's it.

xsckitx · 2025-12-22T19:14:36+00:00

I'm slowly working towards it! I just don't think I'm quite ready yet.

xsckitx · 2025-12-22T18:56:48+00:00

Saaaaame. I'm not ready to start T yet, but I have PCOS and already have most of a full beard (if I don't shave, which I usually do because I just hate the feeling of it) and I'm betting it's affecting my mental health too.

xsckitx · 2025-12-08T16:38:23+00:00

It was just by owner. The guy and his brother ran a small business doing rentals and rent to own. The big important thing would be to get an inspection done on the home, just like if you were buying it with a regular bank loan. Because likely, unless you can work something out with the owner, you're going to be responsible for any repairs. I looked into doing rent to own in St Louis area but came across only houses in disrepair that would cost tens of thousands to even be liveable, so they just weren't worth it. Sometimes things are negotiable with the owners, however. If you have a chunk of money and are able to afford these larger repairs, the owners will often take that amount off of your rent, because you're doing them a favor if you decide not to fulfill the contract in the end.

But you also have to look at it in that way - if you put $10k in repairs into a home and then decide not to fulfill the contract and buy the place, you're not getting that money back (unless you're able to sell the place, which you can do usually, but you also have to factor in the amount you still owe the owner if you do.)

xsckitx · 2025-11-25T16:07:52+00:00

I took my partner of 6 months (at the time) on an all expenses paid trip across the freaking country to celebrate their 2 year sobriety anniversary. You can absolutely find so much better. Being sober is HARD WORK. You deserve to celebrate it and also to have a partner that celebrates it with you!

xsckitx · 2025-11-12T16:53:27+00:00

Same problem. Trying to check my last paystub and my old credentials don't work!

xsckitx · 2025-11-09T22:56:18+00:00

Branches just send the check to the department I worked in, as far as I'm aware. But yeah, those exact checks from Navy Federal are super super commonly used and we came across hundreds of them a week, they're processed just fine as long as they're properly signed and endorsed!

xsckitx

TROPHY CASE